Best Car Accident Lawyers in O'Fallon

FAQs

• What is the non-emergency contact number for the local police station in O'Fallon, Missouri?

  The non-emergency contact number of the O'Fallon Police Department is 636-240-3200.

• Where can I get a copy of police reports for incidents related to my case in O'Fallon, Missouri?

  Request a copy of your accident report from the O'Fallon Police Department's Records Section, which can be reached at 636-379-5678 or 636-379-5643. You can also request via an online portal at https://www.ofallon.mo.us/requests-for-public-information/. Accident reports are usually ready for release 7 to 10 days after the incident.

• What damages can you recover after a car accident in O'Fallon?

  If you have been injured in an O'Fallon car accident, you may be able to recover economic, non-economic, and punitive damages. Hire a car accident attorney to assist you in obtaining compensation for your medical bills, lost earnings, car repair costs, pain and suffering, and disability or disfigurement. Missouri is a comparative fault state, which means that the amount that you can receive is adjusted based on how much you were at fault in the accident.

• What does "pain and suffering" mean in an O'Fallon auto accident settlement?

  "Pain and suffering" refers to the various non-economic losses you suffer as a result of your O'Fallon car accident. Physical pain, mental anguish, emotional distress, depression, anxiety, and a loss of enjoyment in life are all examples of this. If you have been experiencing pain and suffering following an automobile accident or collision as a result of another driver's negligence, you may be entitled to compensation.

• Is drunk driving a factor in O'Fallon car accidents?

  Drunk driving is a leading cause of car accidents in O'Fallon. According to the CDC, Missouri has a higher rate of drunk driving and fatal accidents than the national average. Statistics show that teen and young adult drivers who have previously been arrested for DWI are more likely to drive while intoxicated. A man was arrested and charged with drunk driving in February 2022, and police reported that he had crashed into a house.

• How does uninsured motorist coverage work after a car accident in O'Fallon?

  Uninsured motorist coverage protects an insured person who is injured in an accident in O'Fallon caused by a driver who does not have valid insurance. Victims may also use uninsured coverage if the other driver left them at the scene of the accident. However, the coverage will not be activated if the insured individual caused the accident or if the injured person was a passenger in a vehicle they do not own.

• What documents should you keep after an O'Fallon car accident?

  If you were injured in an O'Fallon car accident, you should keep the following documents and records to help you when discussing settlement terms:

  • Medical records
  • Medical bills and receipts
  • Doctor’s reports and observations
  • Records of pain and suffering
  • Police accident report
  • Photos of the crash site
  • Other driver’s contact and insurance information
  • Witness statements
  • Car repair bills
  • Incidental bills, including rental car receipts
  • Lost earning opportunities
  • Any paperwork from your insurance provider

• How do I choose a car accident lawyer?

  To select a car accident lawyer, consider the lawyer's experience, focus, and reputation. While nearly any attorney can negotiate with insurers for a settlement, not all attorneys have amassed experience litigating a claim in a court of law. Choose an attorney with a background that includes car accident claimants; it's helpful if the attorney is focused on personal injury law. Lastly, read reviews from previous clients to get a feel for the attorney's helpfulness and responsiveness to clients. The best lawyer for your case is one that you feel comfortable and confident working with.

• What steps should I take after a car accident?

  Immediately following a car accident, get out of traffic as soon as possible and dial 9-1-1. Exchange car insurance information with any other involved drivers and get a police report as soon as possible. Be truthful about what happened, even if you are at fault, but stick to reporting the facts of the accident without offering an opinion on who is to blame. If possible, take photos of your car, other cars at the scene, and the scene itself.

• (When) Do I need a lawyer after a car accident?

  Start working with a car accident lawyer as soon as possible following your car accident (some attorneys even make hospital visits). By reaching out for legal help early on, you avoid some of the pitfalls of trying to handle your claim on your own. Your attorney can also get the ball rolling on reimbursement for your medical bills and lost wages while awaiting the outcome of your claim.

• How long after a car accident can you claim an injury?

  The length of time you can file a claim for an injury following a car accident is governed by the statute of limitations in your state. Although it varies, most states set the statute of limitations for injured parties to seek compensatory damages at three years following the accident or three years after you discover your injuries. In cases where children are injured, the statute of limitations may be longer.

• What do I do after a car accident that I'm not responsible for?

  After an accident that's not your fault, seek immediate medical help if you are injured. Once it's safe to do so, obtain the other driver's contact and insurance information, any statements from witnesses, and photos of the scene. Obtain a police report and contact your insurer and the at-fault party's insurer. If you are injured, schedule a consultation with a car accident attorney to discuss your legal options.

• What happens if someone sues you after a car accident?

  If you have car insurance in force at the time of the accident, your insurance is contractually bound to represent you on any claims that arise, indemnifying you against loss up to the limits of your policy. You can help your insurance company by cooperating fully. If the plaintiff in any lawsuit obtains a judgment above your policy limits, then you can be held personally responsible for any damages awarded.

• What/how much can I expect from a car accident settlement?

  According to the Insurance Information Institute, the average bodily injury claim in 2018 was $15,785. The amount of any particular car accident settlement hinges primarily on the severity of the injuries sustained as a result and whether or not any partial or total permanent disability was caused by the accident. Claims that involve broken bones or nerve damage likely settle for more than claims where soft tissue injuries are present.

• How do I arrange a rental car after an accident?

  To arrange a rental car after an accident, first consider whether your insurance or the other party's insurance will be paying for the rental. If another driver is found to be at-fault for the accident, that driver's insurance may pay the costs. If you are responsible, your insurance may pay if your policy covers such expenses. Speak with your insurance adjuster to determine if you have benefits available.

• How long does it take for car insurance to go back down after an accident?

  Post-accident rate spikes can last anywhere from three to five years, depending on your insurer. However, if damages incurred during the accident are less than $2,000, your rate may not go up at all. Three years is typical for collision and property damage claims. Five years is not uncommon in accidents involving bodily injury claims, DUI or DWI, reckless driving, or serious violations at the time of the accident.

• How to settle a car accident claim without a lawyer?

  To negotiate a car accident settlement without a lawyer, you'll have to prove that the other party was to blame for your damages. Gather evidence at the scene to support your claim, including witness statements and photos. Seek medical treatment for your injuries immediately. Notify the other driver's insurer of your intent to file a claim. If you reside in a no-fault state, you will need to use your personal injury protection (PIP) benefits first before filing a claim against the other party for medical expenses and bodily injury. Be prepared with medical records, police reports, receipts for out-of-pocket accident-related costs, and proof of lost income due to the accident before beginning negotiations.